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Mortgage free in Forever Home :-)
Comments
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Thank you for the positive feedback 😊 I have a meeting tonight, but feel I might be pushing my luck as I have a counselling session after work, get home, eat (Mr KK is cooking tonight thank goodness), out the door for the meeting at the remote location (could be quite a tetchy one tonight as the Chair and the Clerk are resigning) and then back home to prep breakfast, lunch, snacks and shower before bed! I hope I survive!!savingholmes said:Well done on the tip run and decluttering. I don't know where you find the energy for the PC but they need good people so well done you.
I found DKW's book really good on decluttering - particularly listening to it on audible. She helped me make the final push with my house to get it sale ready. I listened while doing to help motivate myself. I think I also used pictures in my head of my ideal holiday cottage scenario to try and get the amount of stuff I retained visibly at least to a holiday cottage level. I'm getting my cleaner to help with the continued thinning out - and in a milestone for me didn't check what she chucked last week.
I will look for that book - I’m always a hard copy kinda girl - can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks!KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
It’s very telling when that happens! 😉😊LadyWithAPlan said:Well done on the decluttering!I love those SS shows where they put all your stuff in a warehouse !I am away on an unexpected but fun business trip so only have a small suitcase .. amazing how I manage without loads of stuff
Another thing I have gleaned from the SS shows is that your behaviour around possessions is inevitably learned from your parents. My mother is a full on hoarder ….. so I’m not doing as badly as I think I am when I compare myself to what I grew up with!KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
I would be the same at home, I would find it too odd to be sat still just listening. I mean, do I keep my eyes open and wandering around, do I just glaze over, do I close them instead, etc etc....KajiKita said:
....can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks!
Instead, I listen to podcasts in the car. I do miss bits sometimes if I'm concentrating on a manoeuvre/concentrating on someone else's bad driving/concentrating on finding my way, but mostly I'm a captive audience and I take a lot in in what would otherwise be unproductive timeMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
I used my phone and just carried it with me in a pocket while decluttering with her voice nattering away encouraging me to let go of more. Totally relate to inherited traits related to hoarding!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/253 -
Counselling session today after work covered a lot of ground but got bogged down on my aunt, which was kind of inevitable I suppose.My car exhaust then detatched itself just as I was heading home … unfortunately at just the right angle to potentially rip the entire bottom of the car off. 🙄 The AA man patched it up and I got home, but I am under *strict* instructions to take it straight to a garage tomorrow morning!!I have a busy and complicated day tomorrow …. Sigh …After getting home and bolting down the food Mr KK had prepped for me, headed out to the parish council meeting. I have expressed an interest in being the Clerk but the new Chairman seems to be very grateful that I have agreed to stay on as vice chair (not really sure why 🤷♀️) so I might stick with that.Very tired now.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Sorry about the car. Sounds another full on day. Be kind to you along the way.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
Boo to the car
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Thanks both xbeanielou said:Boo to the car
savingholmes said:Sorry about the car. Sounds another full on day. Be kind to you along the way.
@savingholmes, I was quite conscious of how stressy all of this could get …. So I have consciously let myself off things tonight and I am not worrying about what is meant to be happening tomorrow until tomorrow.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hope the car repair isn’t too expensive!
I usually listen to podcasts when driving but haven’t driven any distance for ages so I will need to get used to listening at home. I thought it might be good for doing something crafty as I wouldn’t need to look at the screen.Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I have a new back and mid box (the back box literally crumbled to pieces as he took it off!) and am £177 lighter - nowhere near as bad as it might have been.I had to wait at the exhaust place until the parts arrived, so they let me use a spare office to conduct an interview I had planned this morning! It went well and I have booked him in for second stage interview next Monday 😊 Got to work just before lunch.
Left on time after a busy afternoon and then had a call with a recruiter about another role for me at a site 20 minutes less commute away, easier roads and with the option to work from home two days per week. It would mean a drop in salary though.Absolutely shattered now. I have no great ambitions to do anything much more this evening!
KkAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
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